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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey
In 2020, I was saving ₹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ₹6,12,000 — and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
📉 What Went Wrong in Year 1
In my first year, I panicked during a market dip and pulled out my SIP investments. That single move cost me potential gains and broke the compounding chain. I learned the hard way that reacting emotionally to market swings is a recipe for regret.
📈 Lesson Learned: Consistency Beats Timing
- Missed rallies by being out of the market
- Lost out on rupee cost averaging
- Peace of mind improved with automation and discipline
🔄 My Portfolio Before vs After
Before (2020)
- Random savings in bank account
- No real investment plan
- Low returns (2-3% p.a.)
After (2023)
- Disciplined SIPs in diverse mutual funds
- Portfolio value: ₹6,12,000
- Average returns: 13-15% p.a.
🧠 What I’d Do Differently If Starting Again
If I could start over, I’d set up my SIPs and forget about the daily market noise. I’d diversify a bit more, avoid panic-selling, and trust the process. Most importantly, I’d start even earlier — because time is your biggest ally in compounding.
Confidence booster shot! Moody’s Investor Service has considerably revised its GDP forecast for India on Monday, citing the sturdy momentum noticed within the South Asian financial system in current quarters, which the scores company anticipates will persist into 2024.India’s financial system has demonstrated robust efficiency, and the better-than-anticipated knowledge in 2023 has prompted us to revise our progress projection for 2024 to six.8% from 6.1%, said Moody’s. In line with Moody’s, India is poised to take care of its place because the fastest-growing financial system amongst G-20 nations all through the forecast interval.India’s financial system recorded its swiftest growth in eighteen months within the final quarter of 2023, propelled by vigorous manufacturing and building actions, registering a progress charge of 8.4%, surpassing economists’ consensus estimate of 6.6%.Moody’s famous that the robust momentum noticed within the financial system through the third and fourth quarters of the earlier yr has carried over into the primary quarter of the present calendar yr, as indicated by high-frequency indicators.Robust items and companies tax collections, growing auto gross sales, optimistic shopper sentiment, and double-digit credit score growth counsel that city consumption demand stays resilient, the company remarked. Moreover, increasing manufacturing and companies Buying Managers’ Index (PMI) readings present further proof of sturdy financial momentum on the provision facet, it mentioned.The scores company anticipates coverage continuity following the upcoming common election scheduled for Might, together with a continued emphasis on infrastructure growth.Whereas personal industrial capital expenditure has been gradual to rebound, Moody’s predicts progress on this space on account of ongoing advantages from provide chain diversification and investor response to authorities initiatives aimed toward bolstering key manufacturing sectors.Rising capability utilization, robust credit score growth, and optimistic enterprise sentiment point out a optimistic outlook for personal funding, in response to Moody’s evaluation.Though headline inflation moderated to five.1% in January from the earlier month’s 5.7%, it stays above the central financial institution’s goal of 4.0%.Given the sturdy progress momentum and inflation exceeding the 4.0% goal, we don’t anticipate any coverage easing within the close to future, Moody’s concluded.
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